CARTERA DE CRÉDITO Y RENTABILIDAD EN LA BANCA UNIVERSAL VENEZOLANA

This research aims to analyze the impact of the credit portfolio in the profitability of Universal Banking Venezuela. Period 2005 to 2009. Framed within methodological guidelines Mendez (2006), Hernandez et al (2006), Chavez (2006) and theoretically in the postulates of Bello (2009), Lopez and Gonzalez (2008), De La Hoz et al (2008) between other. Regarding the research methodology, is correlational non-experimental longitudinal design. The population consisted of all universal banks that are active in the country, with over 30 years of believing, belonging to private universal banks, with assets Bs.F. superior to 2,000,000, with deposits of major public Bs.F to 15,000,000, a net loan portfolio of more than 10,000,000 Bs.F, and a number of 200 branches on. The technique of data collection was through the review of secondary sources among which are highlighted by SUDEBAN publications issued, in order to systematically collect information on the loan portfolio and profitability. This descriptive tables were constructed indices that determine the behavior of the variables, whose data were analyzed using Pearson correlation index. The results obtained indicate that the loan portfolio has no impact on the profitability of the Universal Banking Venezuela during the period 2005 - 2009 as the results show that most indicators have no significant degree of association statistically.